Better Flood


Are you a property or business owner considering flood insurance but must decide whether to sign up for a policy from the National Flood Insurance Program (NFIP) or explore private flood insurance coverage options? 

We’ve got good news; as former FEMA/NFIP leader W. Craig Fugate once said, “Flood insurance is not one size fits all… You can tailor it for your circumstances.”

Even though the NFIP has basically taken a one size fits all approach for its premiums over its fifty-year monopoly.

In our blog post series about why choosing private flood insurance over NFIP (might be the right fit for you, we are breaking down all the ways that having an independent and creative policy might be just what your situation needs—so buckle up!

Continued from Why choosing private flood insurance over NFIP (part 1)

The private flood insurance market is growing

Private flood insurers are more nimble than the NFIP

Private flood insurers offer a variety of policies

Trusted by Thousands of Homeowners Nationwide

The bottom line – private flood insurance is a viable option for property owners

Raging Rivers, Soothing Solutions – Exploring the Growing Private Flood Insurance Market

Floods can be incredibly stressful for many homeowners and business owners.

Aside from the destruction of physical property, floods can also cause emotional distress as well as financial loss. 

Fortunately, there is a solution to this issue in the form of private flood insurance.

Let’s dive deeply into what private flood insurance is and how it can help protect you during flooding.

Who Should Look Into Private Flood Insurance? 

Anywhere it rains, it can flood, so your property is likely in an area that could flood.

It’s important for your financial security to consider getting private flood insurance.

Although some areas may be located in lower zones (X-flood zones) according to government regulations, natural disasters like hurricanes, major downpour, overflowing riverbeds and levy breaks can still affect these areas and lead to flooding events even if they are considered lower-risk zones by the governments flood map.  

Private flood insurance is becoming increasingly popular among homeowners and business owners alike due to its ability to provide broader coverage for items not typically covered by NFIP policies at significantly lower premiums than the NFIP traditional coverage options. 

Private flood insurance could be just what you need to keep yourself protected against rising rivers, raging storms and super high NFIP premiums! 

So why not explore what options are available today? After all, peace of mind during times of disaster is priceless!


The Benefits of Private Flood Insurance

When it comes to protecting your property from floods, you have two main options: the National Flood Insurance Program (NFIP) or a private flood insurance policy.

On the surface, it may seem like there is little difference between the two, but private flood insurers actually offer more flexibility and faster response times than the NFIP. 

Let’s break down why private flood insurance might be a good option for you. 

The NFIP has its advantages—it’s backed by the taxpayers—but it also has some drawbacks.

The most significant of which is that it’s slow to respond to new developments in technology, consumer preferences, and changes in risk assessment (aka flood maps many of which are 40+ years old).

And it can be really expensive to keep.

Private flood insurers have an advantage because they are not bound by federal bureaucracy; they can quickly adjust their products and services to meet changing customer needs. 

Another key benefit of private flood insurance is that policies tend to be much more customizable than those offered through the NFIP. 

This gives you greater control over how much your policy will cost and what level of coverage you receive. 

Private flood insurers also tend to provide broader coverage than the NFIP offers.

For example, while NFIP policies do cover damage caused by flooding, they exclude certain items.

Private policies often provide additional protection, higher limits and other unique options such as loss of use, rate-lock, pool coverage, multiple structures on one policy, all of which the  NFIP policy can not do.*

Private policies offer more customization options so you can find one that fits both your budget and your risk profile, plus they provide quicker response times and better coverage than traditional government-backed plans do. 

By working with your flood nerd we do all the research and compare many private flood options and compare them to the NFIP to find the cheapest flood insurance options available to you, you can make sure that you’re getting the great protection against flooding damage while still staying within your budget constraints!

Flood Nerds shop for your flood insurance needs.

Do you care about your coverage for your flood insurance? 

If so, then you know that having the right insurance policy can make all the difference in protecting your property from floods.

The Private flood insurers have exciting, offerings and there are a variety of policies with options on coverage to meet your needs. Let’s take a look at what they have to offer.**

Replacement Cost Policies
A few private flood insurance underwriters only offer coverage at replacement cost only. This means that if something gets damaged due to flooding, you will be reimbursed for whatever it costs to replace it. If you’re looking for an affordable option, this might not be your best option since the coverage is high – the price can be as well. Note if you get a replacement cost policy and your coverage isn’t written at replacement cost then your claim could be subject to a co-insurance clause. So if you got a replacement cost policy you need to cover at replacement cost of your property. If interested please let your flood nerd know. 

Subgrade Foundation Coverage Up To $20k
Most flood insurance for anything subgrade (aka basement, walkout basements or bilevels) coverage is very limited. In fact the NFIP only covers 14 items and no contents that are stored subgrade. Since water will go to the lowest floor due to gravity your lowest floor is most at risk of flooding.  One of the better options we have offers up to $20,000 in any subgrade foundation damage caused by flooding. These policies are ideal for homeowners with basements or businesses with underground structures as they provide much-needed protection against expensive repairs due to flooding. If interested please let your flood nerd know. 

All Structures on One Policy
If you have many structures on your land or maybe own many properties managing all the policies can be difficult and confusing coverage, we have found a few underwriters that will allow us to write multiple structures on one policy this is a good way to limit all the paperwork.  With these underwriters policy, all of your structures can be put on one policy, meaning you don’t have to worry about having separate policies for each building or structure on your property. This can be a good option for you landlords. 

Cover my Pool
We also have a few we can put pool on as a recoverable claim. If you have a pool and this coverage is important to you please let your flood nerd know so we can get you coverage. 

Lock your rate for up to 5 years
We have a option that will allow you to pay a little extra to get your rate locked at its current rate for up to 5 years. This is a great option for those of you who are ever sick of the rising cost of flood insurance. If interested please let your flood nerd know. 

Cover that basement
Coverage for high-end homes that offers the most basement coverage we have seen for basements. Yes you read that correctly this is the most innovative option in the flood space and is perfect for the homeowner that has finished their basement and wants to cover it. Their underwriting is a bit choosy so not all properties are going to qualify for this high end coverage but if this is something you might be interested in please let your flood nerd know and we will give it a shot.

Flood Nerds: Your One-Stop Shop for Affordable, Comprehensive Flood Insurance

Investing in flood insurance can be a daunting task. 

There are so many options to choose from and it’s hard to know which one is right for you.

That’s why Flood Nerds are here to help!

We understand that protecting your home or business is a priority and that finding the good coverage for the lowest price is key.

With our knowledge of the industry, we can get you flood coverage at the cheapest price – and we’ll do all the shopping around for you!

Why You Should Trust Flood Nerds 

We don’t just want to sell you insurance – we want to make sure you understand it too.

We have years of experience helping our clients shop for flood insurance and have saved them hundreds (or even thousands) of dollars in premiums while still providing excellent coverage.

Our team knows all kinds of ways to save money on flood insurance so you never have to worry about getting stuck with an overpriced policy. 

Moreover, our online form makes it easy to get started.

All you need to do is enter your location and some basic information about your property and we’ll set out shopping right away!

And if you ever want to learn more about what flood insurance entails, we’re always happy to answer any questions you may have.

After all, we’re not just experts in this field – we’re also passionate flood nerds who love talking about flood insurance! 

Finally, once we find the perfect policy for you at an unbeatable price, all there’s left for us to do is submit it on your behalf so that it gets approved quickly and easily.

With Flood Nerds by your side, shopping for flood insurance has never been easier or more affordable! 

Flood Nerds are committed to helping our clients shop for the great flood insurance at an unbeatable price point without sacrificing quality coverage.

We also strive to make sure everyone understands their policies so they can be confident in their purchase decisions.

If this sounds like something you desire, complete our online form today and let us take care of everything else!

Let Flood Nerds work their magic and get yourself covered now!


*Not all private flood insurance underwriters offer all these coverages if one in particular is important to you, you will need to speak to your flood nerd to make sure that they try to get you this coverage. Our goal is to get you the cheapest flood insurance that has good coverage. 

**Unfortunately not all properties are picked up by some of these options if a particular type of coverage is important to you let your flood nerd know so we can look to see if your property qualifies for these programs.

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